NOTICE OF SALE UNDER POWER, LIBERTY COUNTY Pursuant to the Power of Sale contained in a Security Deed given by Mallory Simpson to Mortgage Electronic Registration Systems, Inc., as grantee, as nominee for The Federal Savings Bank, its successors and assigns. dated 7/11/2022 and recorded in Deed Book 2241 Page 959 and re-recorded at Deed Book 2255 Page 942 Liberty County, Georgia records; as last transferred to or acquired by The Secretary of Veterans Affairs, an officer of the United States, conveying the after-described property to secure a Note in the original principal amount of $263,000.00, with interest at the rate specified therein, there will be sold by the undersigned at public outcry to the highest bidder for cash before the Courthouse door of Liberty County, Georgia (or such other area as designated by Order of the Superior Court of said county), within the legal hours of sale on March 3, 2026 (being the first Tuesday of said month unless said date falls on a Federal Holiday, in which case being the first Wednesday of said month), the following described property: ALL THAT CERTAIN LOT, TRACT OR PARCEL OF LAND SITUATE, LYING AND BEING IN THE 1756TH G. M. DISTRICT OF LIBERTY COUNTY, GEORGIA, AND BEING IN THE CITY OF HINESVILLE, BEING KNOWN AND DESIGNATED AS LOT NO. 390, OAK CREST SUBDIVISION, PHASE IV, AS SHOWN AND REPRESENTED ON THAT CERTAIN PLAT OF SURVEY MADE AND PREPARED BY KEITH P. PIRKLE, GEORGIA REGISTERED LAND SURVEYOR NO. 2792, BEARING A SURVEY DATE OF JULY 18, 2017, AND PLAT DATE OF JULY 20, 2017, AND BEING RECORDED IN PLAT BOOK 23, PAGE 254, IN THE OFFICE OF THE CLERK OF SUPERIOR COURT OF LIBERTY COUNTY, GEORGIA, SAID PLAT BY SPECIFIC REFERENCE IS MADE A PART HEREOF FOR DESCRIPTIVE AND ALL OTHER PURPOSES. SAID LOT OF LAND BEING BOUNDED, NOW OR FORMERLY, AS FOLLOWS: NORTHERLY BY A 40' DRAINAGE EASEMENT/CITY OF HINESVILLE; EASTERLY BY LOT NO. 391; SOUTHERLY BY THE RIGHT OF WAY OF AL EREDITH LANE; AND WESTERLY BY LOT NO. 389, ALL AS SHOWN ON THE ABOVE REFERRED TO PLAT OF SURVEY. SUBJECT TO THAT CERTAIN DECLARATION OF COVENANTS, CONDITIONS AND RESTRICTIONS FOR THE ENCLAVE AT OAK CREST, DATED MAY 7, 2008, AND RECORDED IN DEED BOOK 1531, PAGES 2146, AND THAT CERTAIN FIRST AMENDMENT TO DECLARATION OF COVENANTS, CONDITIONS AND RESTRICTIONS FOR THE ENCLAVE AT OAK CREST, DATED DECEMBER 4, 2009, AND RECORDED IN DEED BOOK 1617, PAGES 750-752, IN THE OFFICE OF THE CLERK OF SUPERIOR COURT OF LIBERTY COUNTY, GEORGIA. SUBJECT TO THAT CERTAIN 5' UTILITY EASEMENT, AS SHOWN AND REPRESENTED ON THAT CERTAIN PLAT OF SURVEY MADE AND PREPARED BY KEITH P. PIRKLE, GEORGIA REGISTERED LAND SURVEYOR NO. 2792, BEARING A SURVEY DATE OF JULY 18, 2017, AND A PLAT DATE OF JULY 20, 2017, AND BEING RECORDED IN PLAT BOOK 23, PAGE 254, IN THE OFFICE OF THE CLERK OF SUPERIOR COURT OF LIBERTY COUNTY, GEORGIA. SUBJECT TO THAT CERTAIN 10' TREE EASEMENT, AS SHOWN AND REPRESENTED ON THAT CERTAIN PLAT OF SURVEY MADE AND PREPARED BY KEITH P. PIRKLE, GEORGIA REGISTERED LAND SURVEYOR NO. 2792, BEARING A SURVEY DATE OF JULY 18, 2017, AND A PLAT DATE OF JULY 20, 2017, AND BEING RECORDED IN PLAT BOOK 23, PAGE 254, IN THE OFFICE OF THE CLERK OF SUPERIOR COURT OF LIBERTY COUNTY, GEORGIA. SUBJECT TO (1) ALL NON-MONETARY ENCUMBRANCES, EASEMENTS, SERVITUDES, RIGHTS-OF-WAY, FLOWAGE RIGHTS, RESTRICTIONS, RESERVATIONS, COVENANTS, AND OTHER RIGHTS IN THIRD PARTIES RECORDED IN THE OFFICE OF THE CLERK OF SUPERIOR COURT OF LIBERTY COUNTY, GEORGIA; (2) SUBJECT TO ANY PRORATIONS AGREED TO BETWEEN THE PARTIES HERETO, TAXES AND ASSESSMENTS, FOR THE YEAR FIRST SHOWN ABOVE AND SUBSEQUENT YEARS WHICH ARE NOT YET DUE AND PAYABLE; AND (3) ANY OTHER MATTERS DESCRIBED OR REFERENCED IN THIS INSTRUMENT (SAID MATTERS IDENTIFIED IN (1) THROUGH (3) ABOVE BEING COLLECTIVELY REFERRED TO AS THE "PERMITTED EXCEPTIONS"). DEED TYPE: LIMITED WARRANTY DEED BETWEEN RTS HOMES, LLC, A LIMITED LIABILITY COMPANY ORGANIZED AND EXISTING UNDER THE LAWS OF THE STATE OF GEORGIA AND MALLORY SIMPSON DATED: 08/31/2017, RECORDED DATE: 09/05/2017 IN BOOK: 1962, PAGE 349. CONSIDERATION: $10.00 PARCEL ID: 071D 098 NOTE: ACCORDING TO THE PUBLIC RECORDS, THERE HAVE BEEN NO DEEDS CONVEYING THE LAND DESCRIBED HEREIN WITHIN A PERIOD OF TWENTY-FOUR (24) MONTHS PRIOR TO THE DATE OF THIS REPORT EXCEPT AS FOLLOWS: NONE OF RECORD The debt secured by said Security Deed has been and is hereby declared due because of, among other possible events of default, failure to pay the indebtedness as and when due and in the manner provided in the Note and Security Deed. The debt remaining in default, this sale will be made for the purpose of paying the same and all expenses of this sale, as provided in the Security Deed and by law, including attorney's fees (notice of intent to collect attorney's fees having been given). Said property is commonly known as 1011 Meredith Ln, Hinesville, GA 31313 together with all fixtures and personal property attached to and constituting a part of said property, if any. To the best knowledge and belief of the undersigned, the party (or parties) in possession of the subject property is (are): Mallory Simpson or tenant or tenants. PHH Mortgage Corporation is the entity or individual designated, who shall have full authority to negotiate, amend and modify all terms of the mortgage. PHH Mortgage Corporation 1661 Worthington Rd Suite 100 West Palm Beach, FL 33409 (800) 750-2518 Note, however, that such entity or individual is not required by law to negotiate, amend or modify the terms of the loan. Said property will be sold subject to: (a) any outstanding ad valorem taxes (including taxes which are a lien, but not yet due and payable), (b) unpaid water or sewage bills that constitute a lien against the property whether due and payable or not yet due and payable and which may not be of record, (c) the right of redemption of any taxing authority, (d) any matters which might be disclosed by an accurate survey and inspection of the property, and (e) any assessments, liens, encumbrances, zoning ordinances, restrictions, covenants, and matters of record superior to the Security Deed first set out above. The sale will be conducted subject to (1) confirmation that the sale is not prohibited under the U.S. Bankruptcy Code; and (2) final confirmation and audit of the status of the loan with the holder of the Security Deed. Pursuant to O.C.G.A. Section 9-13-172.1, which allows for certain procedures regarding the rescission of judicial and non-judicial sales in the State of Georgia, the Deed Under Power and other foreclosure documents may not be provided until final confirmation and audit of the status of the loan as provided immediately above. The Secretary of Veterans Affairs, an officer of the United States as agent and Attorney in Fact for Mallory Simpson Aldridge Pite, LLP, Six Piedmont Center, 3525 Piedmont Road, N.E., Suite 700, Atlanta, Georgia 30305, (404) 994-7400. 1017-336A THIS LAW FIRM MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 1017-336A 52800 2.26.26 RL